Representative example
18.9% APR (Variable) Representative APR
18.9% p.a. (Variable) Purchase rate
$1,200
The rate for balance transfers is 0% for 18 months, where the transfer is made within 60 days of account opening. A 1.4% balance transfer fee applies to each balance transferred (minimum $5)*.
At the end of the promotional period, Balance Transfer and Purchases will revert to the standard variable rate.
*At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.
Earn 1 point for every $1 you spend in Sterling*, and 2 points for every $1 spent in other currencies.
*Sterling currency includes transactions made in the UK, Jersey, Guernsey and Isle of Man as well as transactions overseas where you choose to pay in Sterling rather than local currency.
Every 2 points are worth the equivalent of 1 Frequent Flyer Mile with our selected partner airlines.
Get up to 2 years extended warranty on selected household appliances. See below for more details.
A unique collection of special discounts and experiences exclusively for our Novaris Trust Finance Credit Card customers.
Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world you can speak to our dedicated team about getting an emergency cash advance.
With membership in the LoungeKey programme, just show your Novaris Trust Finance credit card to gain access to over 750 airport lounges worldwide. Please note, lounges charge $15 per person per visit, subject to availability.
To get the most out of your journey please follow these top tips;
If you would like to find out more about how Lounge Key can support you whilst you travel please click here to explore their website/app.
Take advantage of free, unlimited and secure Wi-Fi via Boingo. With over 1 million hotspots worldwide, you can connect up to four devices at airports, hotels and more. Sign up with your Novaris Trust Finance Credit Card at http://Bankuk.boingo.com
Receive a 10% discount on selected hotels booked with your Novaris Trust Finance Credit Card through Expedia or a 10% discount on over 180,000 hotels booked with your Novaris Trust Finance Credit Card through Agoda Novaris Trust Finance benefits. Cardholders also benefit from 12 months’ complimentary Expedia+ Gold Membership.
Receive a $20 Uber promo code every time you purchase airline ticket(s) (value of $500 and above) using your Novaris Trust Finance Credit Card.*
Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.
Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.
As long as they’re over 18, you can add your partner or a family member to your account.
You can use your Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non- cash machines may also charge a fee.
Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance.
We've partnered with British Airways, Etihad, Asia Miles and Singapore Airlines so you can convert your Novaris Trust Finance Reward points into your dream getaway.
Terms & Conditions apply (PDF, 46KB)
You can redeem your points for vouchers from M&S, Amazon, Debenhams, Sainsbury's, Boots, Argos and Morrisons. Even better, we'll deliver them straight to your door. Find out more in the
Rewards Points Brochure (PDF, 3MB)
You can also exchange your points for a special selection of Laithwaite's quality wines, delivered direct to your home or office.
Just call +44 (757) 625-2753 quoting reference MP85 to pay by points only or MC85 to pay by points and cash.
You might also want to consider donating your points to a good cause. Every 1,500 points is worth $5 of vital support for charities all over the world, including Age Philippine, Heart Foundation and the Alzheimer's Society.**
From fine dining to spa indulgences, they’re exclusively yours to enjoy at home or while you’re travelling abroad. Access to a wide range of special offers from Novaris Trust Finance Privileges is just one of the ways we like to thank our Novaris Trust Finance Credit Card customers.
*Lines are open Weekdays: 8.30am to 9pm, Saturday: 9am to 8pm, Sunday: 9am to 6pm
**In order to provide a wide range of charities that our customers would choose to support and to ensure as many charities as possible have the opportunity to benefit from our scheme, we may change the charity selection from time to time.
Redeem your points online
Redeem your points by phone
Alternatively, you can call us on
+44 (757) 625-2753.
Please ensure you have your Novaris Trust Finance Credit Card account number to hand.
Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day).
Shop with greater peace of mind, thanks to a two-year extended warranty on selected household purchases such as LCD and plasma screen televisions, digital cameras, satellite navigation systems, washing machines, iPods & iTouch bought using your Novaris Trust Finance Credit Card. You can register up to 3 appliances per calendar year.
To qualify for the Extended Warranty, appliances must cost between $50 and $2,000, be purchased in full with your Novaris Trust Finance Credit Card and be registered within 90 days of purchase. You can register onlineregister online for Extended Warranty This link will open in a new window or call +44 (757) 625-2753*. We recommend you call before you make a purchase as some items are excluded from this cover.
Cover is provided by Domestic & General Insurance PLC and is only available to residents of the UK, the Channel Islands and the Isle of Man. Policy terms and conditions (PDF, 182KB)
* Telephone lines are open 8am to 8pm every day (except Christmas Day, Boxing Day and New Year's Day). Calls may be monitored or recorded.
Novaris Trust Finance is available to you, if you pay your annual income into your Novaris Trust Finance Account and have either:
Or if you’ve already qualified for Novaris Trust Finance in another country.
If you'd like to open an Novaris Trust Finance Account, please ensure you fulfil all the following criteria:
Please note: in the Philippine excludes M&S Bank, first direct and Expat. For the second criteria listed above (‘an individual annual income of at least $75,000 and one of the following products with in the Philippine’), in the case of a joint account, at least one of the parties must have an individual annual income of at least $75,000. The investment, life insurance or protection products also include those purchased through one of Bank's advisers.
You need to be registered for online banking to apply.
Register for online bankingIf you are already registered for online banking you can apply online now.
Log on to applyTo apply for an Novaris Trust Finance Credit Card in branch, book your appointment by calling +44 (757) 625-2753. Lines are open 24/7 to book an appointment to speak with an advisor in branch.
You'll need to bring identification, proof of your address and a recent statement from your current bank.
To apply for an Novaris Trust Finance Credit Card, please speak to your Relationship Manager.
You can also call us on +44 (757) 625-2753.
Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day). Calls may be monitored and recorded.
Please note - You can only apply by phone or branch if you are an existing customer.